Maryland Auto Insurance Laws

Whether you live near our nation’s capital or along the Eastern Shore of the Chesapeake Bay, Maryland has plenty to explore. And whether you're heading to a museum or enjoying freshly steamed crabs by the water, the right auto insurance helps protect you on every trip. EagleWay Auto Insurance is here to help you navigate Maryland’s auto insurance requirements and find affordable coverage that fits your needs.

Do you have to have car insurance in Maryland?

Yes. Maryland law requires drivers to carry an insurance policy that meets all state minimum coverage requirements. Minimum liability limits in Maryland are expressed as 30/60/15. Drivers must also carry Uninsured Motorist Bodily Injury, Uninsured Motorist Property Damage, and Personal Injury Protection (PIP).

Maryland Minimum Car Insurance Requirements

Coverage Required?
Bodily Injury Liability
Covers injuries you cause to others in an at-fault accident. 		Yes — $30,000 per person / $60,000 per accident
Property Damage Liability
Covers property you damage in an at-fault accident. 		Yes — $15,000 per accident
Uninsured / Underinsured Motorist (UM/UIM)
Covers your medical bills and property damage caused by uninsured or underinsured drivers. 		Yes — $30,000 UM BI per person / $60,000 per accident
$15,000 UM property damage per accident
Personal Injury Protection (PIP)
Helps pay medical and related expenses regardless of fault. 		Yes — $2,500 (may be waived in certain cases)
Collision Coverage
Repairs your vehicle after a collision, regardless of fault. 		No1
Comprehensive Coverage
Covers damage from fire, theft, weather, vandalism, or animals. 		No1

IMPORTANT: While Maryland requires liability, UM/UIM, and PIP coverage, these minimums do not fully protect your vehicle. For complete protection, many drivers choose to add comprehensive and collision coverage.
1Your lender may require these coverages if you lease or finance your vehicle.

Additional Coverage Options

  • Roadside Assistance*
  • Emergency Protection Plan (EPP)*
  • Towing & Labor Coverage
  • Rental Reimbursement Coverage

Maryland Proof of Financial Responsibility & Penalties

It is illegal to drive without insurance in Maryland, and penalties are significant. When an insurer cancels or a driver fails to renew coverage, the company must notify the Maryland Motor Vehicle Administration (MVA). If the MVA suspects you lack valid coverage, it will require you to file an FR-19 form proving compliance.

If you cannot prove continuous coverage, you may face:

  • Loss of license plates and vehicle registration
  • An uninsured motorist fee — $150 for the first 30 days + $7 for each additional day
  • A $25 fee to reinstate registration after resolving violations
  • Inability to register new vehicles until issues are resolved
  • Up to $1,000 in fines and up to 1 year in jail for attempting to falsify insurance information

A lapse in coverage can also dramatically increase your future insurance premiums.

Penalties for Driving with a Suspended License in Maryland

Driving with a suspended, revoked, or unlicensed status is illegal in Maryland. Penalties typically include fines, possible jail time, and vehicle impoundment. Repeat offenders face even harsher consequences.

SR-22 Insurance in Maryland

Maryland does not require SR-22 filings for in-state drivers. However, you may need an SR-22 if you move to or from a state that requires one, especially if you have:

  • Failed to maintain proper insurance
  • Been convicted of a DUI/DWI
  • Committed other serious violations

EagleWay Auto Insurance can help answer questions regarding SR-22 requirements and assist high-risk drivers in finding affordable coverage.

High-Risk Auto Insurance in Maryland

Some insurers avoid high-risk drivers, but EagleWay Auto Insurance proudly offers affordable non-standard (high-risk) insurance options for drivers with past violations. Your history should not define your future — we help drivers get back on the road with confidence.

Where can I find the cheapest car insurance in Maryland?

Rates depend on several factors, including:

  • Your selected coverages
  • Your vehicle’s age, make, and model
  • Driving habits and mileage
  • Your location
  • Demographics
  • Driving record
  • Credit/insurance score